Call reports 2009
CLARKSTON STATE BANK — 2009
What CLARKSTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,111,000 | 120,439,000 | 116,887,000 | 110,521,000 |
| Total loans | 102,305,000 | 96,833,000 | 94,102,000 | 90,503,000 |
| Allowance for loan losses | 3,681,000 | 3,607,000 | 3,469,000 | 3,699,000 |
| Securities available for sale | 11,909,000 | 13,903,000 | 13,633,000 | 12,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,505,000 | 108,590,000 | 108,518,000 | 103,339,000 |
| Interest-bearing deposits | 93,376,000 | 89,023,000 | 88,154,000 | 84,235,000 |
| Noninterest-bearing deposits | 21,129,000 | 19,567,000 | 20,364,000 | 19,104,000 |
| Equity capital | 6,882,000 | 6,127,000 | 5,951,000 | 2,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,674,000 | 3,254,000 | 4,739,000 | 6,222,000 |
| Interest expense | 773,000 | 1,395,000 | 1,946,000 | 2,420,000 |
| Net interest income | 901,000 | 1,859,000 | 2,793,000 | 3,802,000 |
| Noninterest income | 547,000 | 772,000 | 814,000 | 742,000 |
| Noninterest expense | 1,346,000 | 2,690,000 | 3,946,000 | 5,438,000 |
| Provision for loan losses | 0 | 560,000 | 560,000 | 3,380,000 |
| Pretax income | 176,000 | -505,000 | -758,000 | -4,134,000 |
| Income tax | 0 | 0 | 0 | 157,000 |
| Net income | 176,000 | -505,000 | -758,000 | -4,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,214,000 | 5,557,000 | 5,326,000 | 1,973,000 |
| Total capital | 7,603,000 | 6,891,000 | 6,609,000 | 3,214,000 |
| Risk-weighted assets | 108,841,000 | 104,460,000 | 100,480,000 | 96,889,000 |